Branch Credit Manager

Job Role :

• Evaluating credit proposals covering financial, business and industrial risk & decisioning of the loan.
• Verifying the promoters track record & ascertaining their credit worthiness.
• Analysis of the financial statements of the prospective customer to identify the short term & long term
• Solvency & liquidity position
• To ensure Bounce Rate and Delinquency are within acceptable standards.
• Monitor and enforce approval rate and TAT as per prescribed standards.
• Monitor and ensure that monthly Branch audit score is satisfactory.
• Vendor Management.
• To conduct customer meeting to evaluate credit proposal
• PDD Tracking and closure
• Compliance to repayment instrument replenishment to ensure regular repayment of EMI

Key Responsibilities :

Credit Decisions

• Take sound lending decisions based on available information & interactions with the applicants.
• Manage credit quality and control delinquencies, frauds.

Monitoring Performance

Managing performance in terms of key drivers i.e.

• Loses / Portfolio quality parameters.
• Cost of credit administration.
• Employee Productivity.